Interim Senior Credit Analyst (5/6 Months Temp Contract)

• Lead the preparation of high-quality credit proposals and reviews, including detailed financial, and risk analysis for new transactions and existing clients.
• Independently assess creditworthiness, assign internal ratings, and structure credit products in line with bank's risk appetite and policies.
• Collaborate with Relationship Managers and Product Specialists on deal origination, structuring and execution, including participation in client meetings, due diligence, and transaction structuring while exercising a high degree of autonomy and professional judgment in assessing and managing credit risk.
• Monitor a portfolio of corporate clients, ensuring timely annual reviews, covenant checks, and early identification of potential credit issues.
• Provide clear, well-reasoned recommendations to Credit Committees and respond to queries from senior stakeholders and approvers.
• Maintain deep knowledge of relevant sectors, market trends, and macroeconomic developments impacting risk profiles.
• Liaise and cooperate with internal stakeholders including Risk Management, Head Office, Product teams, and Restructuring teams as needed.
• Contribute to the development of junior analysts and promote best practices within the credit community.

• 10+ years of experience in credit risk analysis within corporate or investment banking. Knowledge of Food & Agri or consumer sector is a plus.
• Strong academic background in Finance, Economics, Business, or a related field.
• Proven ability to independently manage complex credit files and transactions.
• Deep understanding of financial statements, cash Flow modeling, and credit structuring.
• Written and oral proficiency in Spanish and English is a must (Portuguese is a plus).
• High level of autonomy, ownership, and accountability in managing credit processes.
• Proficiency in Excel and banking credit systems; experience with banks' internal rating and profitability models is desirable.
• Familiar with structured finance products, leverage lending, derivatives, asset based finance, is a plus.

• Commercial mindset with the ability to balance risk and business objective.
• Strong interpersonal skills, with the confidence to interact with senior stakeholders and clients.
• Excellent communication skills both written and verbal, with the ability to present complex ideas clearly and persuasively.
• Analytical rigor and attention to detail, with a structured and methodical approach to problem-solving.
• Proactive and self-driven, able to take initiative and manage multiple priorities under tight deadlines.
• Collaborative team player, contributing to a positive team culture and cross-functional cooperation.
• Constructively assertive, able to challenge assumptions and influence decision-making while maintaining strong relationships.
• Resilient and adaptable, comfortable working in a dynamic, international environment.

• A temporary role (5/6 months) with competitive salary conditions.
• A big opportunity for candidates who have recently left the role but they still feel themselves full of motivation to keep going.
• A dynamic, international working environment within a purpose-driven bank.
• Exposure to strategic clients and complex transactions across Spain and Portugal.
• Opportunities for professional growth and cross-border collaboration within the Bank's global network.
• The chance to make a meaningful impact in corporate credit risk management.

Michael Page